Have you offered to buy your ghost a toothbrush so that you don't have to share?
Yeah, can be embarrassing for a someone to ask even when they're a ghost and everyone knows they don't have an income, so sometimes it's easier if you offer proactively. A lot of problems ghosts have, they might be shy to communicate, and they might be predisposed to think of themselves as a burden, so you really have to set down a firm foundation of nonjudgemental communication. If you come on too strong with things like "Is there a presence here?" and "What do you want?", they might become overwhelmed. Sometimes closed-ended questions, like "Flash the light twice if you're content, three times if you have unfinished business with a person here" can be easier to answer. But be open about your own feelings and boundaries too; you have a lot of power in this relationship and should be aware of that, but you do have be fair to yourself, too, and decide where to draw the salt line.